Smart interest crediting method with a little extra when the market does well!

This entry is for those who want a "pure" FIA (Fixed Index Annuity), plus a less volatile index crediting method to smooth out monthly ups and downs in the market. It is kind of like an "extra" serving!

Menu Item #4: Equity index crediting For Semi—Hungry Investors, with a Twist! 

Key Benefits: Equity Indexing with a little extra left over!  Gains upside potential as high as 100% re-allowance of all equity index gains, subject to a cap. Then, the company gives you 25% more of the excess over this "threshold" that is earned each contract year! (Dividend re-investments do not take place in an indexed account, and do increase yields in regular security accounts. However, they can't stop loss of equity of both earnings and principal invested.)   

• Contract has a monthly Point to point interest crediting method that is based on actual individual monthly performance.  Then, it resets annually to lock in potential gains! This helps smooth out volatile "up and down" markets.
    
• Low maintenance type investment product. Very little attention is required to product details during the investment term of nine years, which can be renewed as desired..

Description:

For investors wanting to see performance gains, when the market co-operates, in a short period of time.  Actual performance could be monitored monthly to determine a projected annual return on this product.  This is accomplished by the unique interest crediting method used in this product.  You get 100% of the annual gains up to a predetermined threshold amount.  Then you get 25% of any of the excess the index crediting method allowed during the contract year.  This 4th or 5th generation product also provides higher potential for annual yields if the index options steadily rise each month over a  full investment market cycle.   

Terms and Conditions:

Index is a monthly “point to point” with an annual threshold or cap, currently 8% and guaranteed for the full term of the contract!  Any excess interest credits are posted to your accumulation value at a current rate of 25%, guaranteed also for the life of the contract. Contract resets each year, but any gains are locked in once a year. Withdrawals and allowed at a 10% rate, (based on full account values!), after the first year. No spread or other fees. Death benefit has no restrictions, and is paid at full accumulation value.  Medical stay waiver waives surrender charges after a medically necessary stay in a hospital and/or nursing facility.  (Some conditions apply regarding minimum stay, etc.)

Minimum investment is just $10,000 and subsequent payments are allowed if $1,000 or over.  Minimum values guaranteed at 90% of each purchase payment grown annually at a 1.75% interest rate.  Guaranteed protection of all principal as long as held to maturity, regardless of market performance.

Of course, for safety sake, this product is from a top money “chef” insurance carrier, rated A++  with the A.M. Best company, the most prestigious insurance rating firm in the world, in our opinion. 

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Disclaimer:  Rates and terms change often.  Also, company ratings can change overnight without warning as well.  This site is updated whenever a product changes, or the interest rates change.  Call or E-mail us to be sure the most current rates and terms can be quoted to you, especially if you feel you are ready to make an investment choice.  Any indexed method or insurance rating firm information stated herein is the exclusive property of the respective companies. We are not affiliated with any indexing method, directly or indirectly.  We do contract with the insurance companies that have products profiled on this website, or in our printed sales literature.  This site is for advertising purposes only and does not intend to give any  investment advisory advise, securities recommendations, or legal advice.  It should not be inferred or construed that all the terms and conditions of any one product we may offer to our clientele can be covered in this advertising manner.  Only proper insurance carrier sales literature and disclosure forms can do that and should be relied on as the ONLY source to make an investment decision on.   Proper licenses in the state of Arizona are held by the company, Financial Strategies, Inc., and any associates, to provide insurance carrier annuity contracts to those who request them from this advertising. Additional information and/or discussion is required to place your order for any product referenced herein, obviously including proper disclosure of the actual carrier and in giving you the legally approved sales literature for any option you request additional information on. If you are not a resident of Arizona, you should disregard this site and any of it's options at this time, other than a request for a licensed agent in your applicable state.  That request may be filled by FSI if possible, or FSI may decide to license specifically in your state of residence in order to provide any services you may be requesting of us.